When you are comparing insurance companies, you should consider American Family Insurance if you would like to have a number of different types of coverage from a single insurer and also take advantage of the discounts available for things like bundling policies, safe driving, and particular billing options.
American Family Insurance provides a range of insurance products, including those for cars, homes, renters, condos, life, business, farms and ranches, umbrella coverage, and special types of insurance. The actual policies available to you and the price you have to pay will, however, vary according to your state, the specific policy, the property in question, the underwriting company, and other personal circumstances.
The following information will help you understand American Family Insurance coverage and its principal discount options before you ask for a quote.
Table of Contents
What kind of insurance does American Family provide?
American Family Insurance caters to a variety of insurance requirements, ranging from ordinary car and home insurance to that for life and business.
The most relevant options for individual customers include:
- For auto insurance, there are various types of coverage available for both cars and drivers, and the extra protections and discounts will vary according to the policy and the state.
- Homeowners’ insurance provides coverage for eligible homes and the associated risks, and optional coverage is available in certain cases.
- Insurance for renter们: This type of coverage is intended for individuals who are renting a house or an apartment.
- Insurance for condominium owners who meet the qualifying conditions.
- For motorcycles, boats, RVs and other types of property: various options might be available for recreational vehicles and other property.
- Life insurance products are available through American Family’s life insurance business.
- Umbrella insurance is an extra level of liability coverage which can be added on to some basic policies.
- Insurance for businesses and for farming and ranching risks that qualify.
It isn’t the case that all products are available in every location. American Family explains that prices and the products available can differ depending on the state, the method by which you buy the coverage, the type of policy form, and the company actually underwriting the policy.
American Family Auto Insurance Coverage
One of the company’s main products is auto insurance; a standard auto policy can have a number of different types of coverage, the specific combination, however, varies according to the policy and the requirements of the state.
Liability coverage
Liability insurance usually covers the costs of injuries or damage to other people’s property that you cause in an accident, provided that the claim is within the limits of your insurance policy.
The amount of liability coverage that you need will vary depending on where you live since each state sets its own minimum requirements for auto insurance.
Collision coverage
Collision coverage can help with the cost of damage to your insured vehicle that results from a covered collision.
For instance, if you collide with another vehicle or with a covered object, the collision coverage could assist with the cost of repairs after you’ve met the relevant deductible.
A deductible is the sum which you agree to pay for a covered loss before the insurance company pays the rest of the eligible amount.
Comprehensive coverage
Comprehensive coverage is designed for certain types of damage that aren’t caused by a collision. Depending on the policy, examples can include theft, vandalism, falling objects, or certain weather-related damage.
Should you choose to finance or lease a vehicle, your lender or leasing company could ask for comprehensive and collision coverage.
Other auto coverage options
Depending on your state and policy, American Family may offer additional protections. The company’s auto insurance information notes that drivers can customize coverage and choose from different options based on their circumstances.
The important point is not to assume that every optional coverage is automatically included. Check the declarations page and policy documents to see exactly what you have.
Homeowners Insurance With American Family
What homeowners insurance is meant to do is to provide protection extending beyond the physical structure of a house.
Depending on the policy, homeowners coverage can address areas such as the home itself, personal property, liability, and additional living expenses after certain covered losses. The exact protection, limits and exclusions depend on the policy and state.
American Family provides optional coverage for homeowners against certain risks and circumstances; on its website it mentions features like equipment breakdown and credit theft protection.
For example, imagine a covered event makes your home temporarily unlivable. Depending on your policy, additional living expense coverage could help with certain increased costs while repairs are being completed.
That does not mean every loss or expense is automatically covered. Policy exclusions, limits and deductibles matter.
Renters and Condo Insurance
Renters and owners of condominiums have insurance requirements which differ from those of homeownes, and American Family provides policies for both of them.
A renters policy generally focuses on the renter’s belongings and liability rather than insuring the building itself. The landlord typically has separate insurance for the structure.
Since it is a condominium, the insurance can be different because the condominium association may be responsible for insuring some of the building’s parts while the individual owner has to take care of other property and risks.
If you are comparing policies, look beyond the monthly premium. Check the personal-property limit, liability limit, deductible and any special limits that could affect expensive belongings.
How American Family Insurance Discounts Work
Discounts are one of the areas where American Family provides several opportunities to reduce premiums. But a discount does not necessarily mean your final price will be lower than another insurer’s quote.
American Family says discount availability and eligibility can vary by state, property, policy form and underwriting company. Some discounts may also apply only to certain coverages.
There are a number of the discounts that are worth inquiring about.
Bundling Auto and Home Insurance
Bundling involves buying several policies from the same insurance company.
American Family currently advertises savings of up to 40% for customers who bundle home and auto insurance, based on its June 2025 disclosure. The company says the advertised savings include certain other discounts, such as Multiproduct, Auto Pay, Paperless and DriveMyWay, and that actual eligibility varies.
That distinction matters. The advertised percentage is not a promise that every customer will receive that amount.
Suppose you already have separate auto and homeowners policies. Getting a bundled quote could make sense, but compare the total cost and coverage rather than focusing only on the advertised discount.
Renters and Auto Bundling
American Family offers savings of up to 7% on both policies when customers bundle their auto and renters insurance, provided that they are eligible and subject to other conditions.
Again, compare the actual premiums and coverage. A bundle is useful only if the overall combination works for your situation.
Safe Driving Discounts
American Family offers a number of discounts concerning driving behaviour and driving history.
Examples include its DriveMyWay program, which can use driving habits to personalize a rate, and MilesMyWay, designed for eligible drivers who drive fewer miles. The company currently advertises potential savings of 10%–35% for DriveMyWay and up to 25% for MilesMyWay, but eligibility and the resulting rate depend on factors such as state and policy circumstances.
American Family also offers discounts for good driving, for not having any accidents and for being free of violations.
These programs aren’t simply guaranteed percentage reductions for everyone. Your driving history, participation requirements and state can affect the result.
Good Student and Young Driver Discounts
Families with younger drivers may have additional opportunities to save.
American Family offers a Good Student discount to eligible students and an Away at School discount to certain students under the age of 25 who go to college more than 100 miles from home and leave the insured vehicle at home.
A generational discount may also be offered if the parent is an American Family customer, provided that the relevant requirements are met.
Billing Discounts
The method that you use to make your payment can as well have an effect on the amount of your premium.
The American Family policy offers discounts for various options such as AutoPay, paying the entire sum required and choosing paperless billing. At present, the information states that these discounts may be applicable to certain types of policies, including those for cars, homeowners, renters and motorcycles.
Since these discounts might be fairly easy to miss, it’s worthwhile checking what billing options apply to your policy before settling on a quote.
Homeowners Discounts to Ask About
There may be further methods available to homeowners who wish to qualify for savings.
American Family lists discounts connected with factors such as:
- A qualifying renovated home
- Smart-home protection devices
- Loyalty
- Certain payment methods
- Qualifying family or generational relationships
For instance, American Family offers a renovated-home discount to homeowners who have fully replaced their plumbing, electrical, and heating systems within the last 15 years, and its Safe, Secure, Smart Home discount is available when the home has qualifying smart devices.
It depends on the insurer’s requirements and the policy that you have.
What determines the price of American family insurance?
There is no single standard rate for American Family Insurance since insurance premiums are personalized.
When it comes to auto insurance, the factors taken into account can be the driver, the vehicle, the location, the coverage limits, the deductible and the driver’s driving history as well as other underwriting factors.
When it comes to homeowners insurance, the property is important together with its location, its features, the coverage options and all the other underwriting details.
Although discounts may lower the premium, they do not cancel out the factors that were used to calculate the price of the policy.
That is the reason why it takes more than just comparing the final dollar amount to compare two insurance quotes; a cheaper policy with lower limits or fewer protections might not offer the same value as a slightly more expensive one with wider coverage.
A Simple Example of Comparing American Family Quotes
Suppose that two drivers get quotations from American Family and from another insurance company.
The monthly rate from one American Family is $150 whereas another company charges $135.
At first sight, the second quote appears to be the better one. Yet consider the case where the policies have different liability limits, deductibles, and optional coverages.
The comparison isn’t really one between $150 and $135 if the $150 policy has a lower deductible or higher liability limits; you are in fact comparing two different insurance policies.
A better approach is to request comparable coverage from each insurer:
- Adopt the same liability limits.
- Adopt the identical collision and full comprehensive deductibles.
- Make the same coverages optional.
- Find out if roadside assistance or rental reimbursement is included.
- Use any discounts for which you actually qualify.
- Look at the final premium and the policy terms.
That makes for a lot more useful comparison.
Pros and Cons of American Family Insurance
If you would like to have a variety of insurance from a single company and are interested in combining your policies or being eligible for a number of discount schemes, then American Family might be something to consider.
Potential advantages include:
- There is a wide variety of personal and specialist insurance products.
- There are various discounts available for automobiles, homes, and billing.
- Options for bundling are available for eligible customers.
- It provides online management of policy and claims functions via its digital tools.
- You can choose to work with an agent or to get an online quote, depending on the product.
Potential drawbacks to consider:
- The availability depends on the state and the product.
- The amount of discount available isn’t the same for all customers.
- The price can vary considerably depending on the particular circumstances.
- Because the company uses a number of underwriting companies, the insurer that appears on your policy can vary depending on the product and where you are.
That alone does not mean that American Family is either a good or a bad option. The appropriate comparison will depend on the kind of coverage you require and on the actual quote you get.
Frequently Asked Questions
Is American Family Insurance offered in all the states?
American Family’s products and the underwriting companies linked to it are available in different states, and not all of the products are offered in every state. You should check to see if the insurance is available in your particular state and for the type of insurance you need.
Does American Family provide a bundle discount?
Yes, American Family provides a number of bundling options; according to its present website, customers who bundle their home and auto insurance may save as much as 40% on both policies combined, the figure mentioned being based on information from June 2025 and conditional upon certain restrictions.
Are there safe-driving discounts available with American Family?
Yes, the programs available include DriveMyWay, MilesMyWay, Good Driving, Accident Free and Violation Free discounts, and so on. The eligibility criteria and the amount of savings will differ according to the state and the individual circumstances.
Is there an American Family discount available to young drivers?
Possibly, American Family offers discounts such as Good Student, Away at School, Young Volunteer and Generational discounts to eligible customers. The requirements differ.
Is American Family Insurance expensive?
There is no single answer. Your premium depends on your location, coverage, vehicle or property, driving history and other underwriting factors. The only reliable way to know what you’ll pay is to obtain a quote based on your circumstances.
The Bottom Line
American Family Insurance provides a wide variety of coverage and has various methods by which eligible customers can lower their premiums, such as bundling, participating in safe-driving programs, taking advantage of young-driver discounts and getting billing discounts.
The important part is to look at the full policy rather than the discount headline. Compare coverage limits, deductibles, exclusions and the final premium with quotes from other insurers. Because American Family’s products, pricing and discounts can vary by state and individual circumstances, a quote tailored to your situation is more useful than a general average.
For the most accurate information, review the actual policy documents and confirm available discounts with American Family or its licensed agent before purchasing coverage.
